The customer service contact of Shanghai Pudong Development Bank asked me to pay in installments, saying that it would not affect the credit record, and more than 7,000 yuan would be repaid a year wit

The customer service contact of Shanghai Pudong Development Bank asked me to pay in installments, saying that it would not affect the credit record, and more than 7,000 yuan would be repaid a year without interest. Any suggestions? The installment repayment depends on two pieces, one is the handling fee and the other is the interest. It has been said that no interest will be charged, so the extra money every month is the handling fee for installment repayment, which will be shared monthly. Will not affect the credit, you can have more credit to buy other things. After installment, there are many repayment periods and times. If the credit is good, it will help to increase the credit limit. So, if you don't mind the handling fee and interest, staging is still good.